Step 1
Open the EMI options
On the official Vivo product page, tap the highlighted No Cost EMI flag to view payment options.
Vivo · EMI & No Cost EMI
vivo Y05 EMI calculator
Monthly instalments across 4 banks — from ₹1,333/mo.
Estimated EMI · vivo Y05
₹5,333/mo
3 months15% p.a.total ₹16,416
Tenure
Indicative figures. GST may apply on interest & processing fee; final amounts vary by bank.
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vivo Y05 EMI at a glance
The vivo Y05 (4GB RAM + 64GB) costs ₹15,999 on the official Vivo India store as of 29 October 2026. EMI starts at ₹1,333 per month for 12 months with HDFC Bank. No Cost EMI is available for 3, 6, 9 and 12 months (tenures vary by bank) with HDFC Bank, State Bank of India, Bajaj Finserv EMI and Axis Bank.
All bank EMI plans for vivo Y05
| Bank | Tenure | Monthly EMI | Interest |
|---|---|---|---|
| Axis Bank | 3 months | ₹5,333 | ₹443 |
| Axis Bank | 6 months | ₹2,667 | ₹764 |
| Axis Bank | 9 months | ₹1,778 | ₹1,077 |
| Axis Bank | 12 months | ₹1,333 | ₹1,381 |
| Bajaj Finserv EMI | 3 months | ₹5,333 | ₹760 |
| Bajaj Finserv EMI | 6 months | ₹2,667 | ₹1,080 |
| Bajaj Finserv EMI | 9 months | ₹1,778 | ₹1,480 |
| Bajaj Finserv EMI | 12 months | ₹1,333 | ₹1,840 |
| HDFC Bank | 3 months | ₹5,333 | ₹417 |
| HDFC Bank | 6 months | ₹2,667 | ₹721 |
| HDFC Bank | 9 months | ₹1,778 | ₹1,016 |
| HDFC Bank | 12 months | ₹1,333 | ₹1,304 |
| State Bank of India | 3 months | ₹5,333 | ₹449 |
| State Bank of India | 6 months | ₹2,667 | ₹764 |
| State Bank of India | 9 months | ₹1,778 | ₹1,077 |
| State Bank of India | 12 months | ₹1,333 | ₹1,381 |
Vivo Store guide
How to check EMI on Vivo Store for vivo Y05
Step 2
Select your bank
In the bank offers popup, select your credit card issuer to view the detailed EMI plans.
Frequently Asked Questions about vivo Y05 EMI
Is No Cost EMI available for vivo Y05?
Yes, No Cost EMI is available for vivo Y05 through various banking partners like HDFC, ICICI, and SBI for tenures typically ranging from 3 to 9 months.
What is the lowest monthly EMI for vivo Y05?
The monthly EMI for vivo Y05 starts as low as possible depending on the bank and tenure selected. You can check the specific starting EMI in the summary section above.
Do I need a credit card to buy vivo Y05 on EMI?
Yes, a credit card from participating banks is usually required for online EMI transactions. However, some platforms also offer Debit Card EMI and Cardless EMI options based on eligibility.
Is there any processing fee for vivo Y05 EMI?
Most banks charge a one-time processing fee of ₹199 + GST for standard EMI transactions. For No Cost EMI, this fee may still apply depending on the bank's policy.
Can I pay more than the monthly EMI for vivo Y05?
Yes, you can choose to foreclose your EMI or pay extra, but banks may charge a foreclosure fee (usually 2-3% of the outstanding principal).
Key Highlights
Battery & ChargingPowerful 6500mAh Battery
DisplayBright 1200nits Display with 120Hz
Memory & Storage4GB RAM + 64GB
Important Disclaimer
Data shown here is collected from official sources for informational and educational purposes only. EMI plans, interest rates, and bank offers are subject to change by the respective merchants and banks. Please verify the final EMI, processing fees, and net charges on the official payment page before making a purchase.
This is not financial advice. We source and display this data with best intentions for our users. For more details, read our full Legal Disclaimer.